Life Underwriting Auditor

Ladder

3d • $100,800 - $125,700 • Remote

About The Position

Ladder is hiring a remote Life Underwriting Auditor in one of its listed hiring states, excluding the San Francisco Bay Area, New York City, and Seattle. The role bridges automated data workflows and traditional life insurance underwriting to help ensure real-time underwriting decisions remain accurate and high quality as models evolve. The auditor partners with engineering, data science, actuarial, compliance, and customer experience teams.

The position reviews applications and underwriting decisions, assesses mortality risk, and determines rating classes, terms, and conditions under established guidelines. It includes complex and accelerated underwriting reviews, post-issue audits, and case-by-case decisions under delegated authority of up to $8 million. The auditor also evaluates underwriting engines, their data inputs, and predictive models, and identifies gaps in rules that can inform actionable updates.

Ladder describes itself as a collaborative company using AI-enabled real-time underwriting to make life insurance more accessible. The role is eligible for equity and benefits, with base pay varying by location and qualifications. The listed Tier 2 and Tier 3 base salary range is $100,800–$125,700.

Requirements

• 10+ years of life insurance underwriting experience at a leading carrier or reinsurer.
• Delegated underwriting authority up to $8 million.
• Experience conducting different types of underwriting audits and case reviews, including post-issue audits.
• Experience with complex case reviews and accelerated underwriting.
• Familiarity with automated underwriting engines, data inputs, predictive models, and rule knockouts.
• Analytical and technical skills for data analysis.
• Proven ability to manage high volumes, fluctuating queues, and turnaround times.
• Experience working with cross-functional teams and stakeholders and contributing to internal and cross-functional projects.
• Strong interpersonal, communication, and negotiation skills.

Responsibilities

• Conduct underwriting audits and case reviews to ensure accuracy, quality, and adherence to guidelines.
• Review data to assess mortality and risk probability, and determine rating class, terms, and conditions based on established rules, rates, and guidelines.
• Analyze medical, personal, and financial data from traditional and innovative sources to make final case-by-case decisions on individual applications, with delegated authority up to $8 million.
• Perform complex case reviews and review accelerated underwriting decisions, including cases flagged by automated engines and rule knockouts.
• Evaluate automated underwriting engine outputs, data inputs, and predictive models; update audit reviews as models evolve and identify gaps in rules that warrant actionable updates.
• Communicate audit findings and recommendations with cross-functional teams and stakeholders.
• Contribute to internal and cross-functional projects.

Benefits

• Medical, dental, and vision coverage for the employee and family.
• Flexible paid time off, including a week-long winter holiday closure.
• Stock options.
• 401(k) match of up to 4% of contributions.
• Monthly stipend for wellness-related expenses through the Ladder Fit Program.
• Ten weeks of paid parental leave for new parents, including birthing, adoptive, and foster parents.
• Work-from-home flexibility and support, including a one-time remote office stipend and monthly stipend for work-from-home costs such as internet.
• Company-wide virtual events.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed